Individual Health Insurance
Delaware - Maryland - Pennsylvania

Affordable Individual Health Plans with Local Support

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Whether you're self-employed, retiring early, between jobs, or simply need personal health coverage, Downes Insurance Associates is here to help. We offer customized individual health insurance options from trusted national and regional carriers — with expert advice and real local agents based in Milford, DE.

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What Does Individual Health Insurance Cover?

Our plans can include:

• ✅ Doctor visits, emergency care & preventive services

• ✅ Prescription drug coverage

• ✅ Mental health & maternity care

• ✅ Access to dental & vision add-ons

• ✅ Marketplace (ACA) and off-exchange plans

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Who Needs Individual Health Insurance?

Our clients include:

• 🔹 Freelancers & independent contractors

• 🔹 Students or recent graduates

• 🔹 Early retirees

• 🔹 Part-time workers or those without employer coverage

• 🔹 Families who don’t qualify for Medicaid

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Why Choose Downes Insurance Associates?

• Local service across Delaware, Maryland, and Pennsylvania

• Independent advice — we help you compare plans side-by-side

• Help with enrollment on or off the Health Insurance Marketplace

• Friendly, responsive agents — no call center headaches

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Let’s Find the Right Plan for You

Don't navigate health insurance alone. Our licensed agents will walk you through your options and make sure you’re covered.

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Call 302-422-8863 or contact us online to get started today.